the calculation method of credit card installment fee is: transaction amount × installment fee rate × installment number. Because the number of installments is different, the corresponding handling fee rate is also different, and the specific installment handling fee should be based on the standards of banks. The installment fee is generally collected in one lump sum and every month. According to the cardholder's application, the bank will deduct the consumption funds and handling fees by stages through the cardholder's credit card account, and the cardholder will repay them according to the monthly recorded amount.

Most domestic banks have credit card installment business. Installment payment is generally divided into POS installment, "mail order installment" and bill installment through internet and mail according to different occasions.

Shopping mall staging, also known as POS staging, means that cardholders go to shopping places and shop in "shopping malls" that can be staged. When checking out, hold the credit card that supports installment in this mall to explain that installment payment is required. Then the cashier will swipe the card on a special POS machine according to the number of periods required by the cardholder.

mail order installment means that the cardholder receives the installment mail order catalog manual sent by the issuing bank or the online installment mall of the bank, and chooses from the limited commodities. Then, the bank will order by installment through online installment mall, telephone or fax the installment application form, etc.

bill installment, which is the most convenient installment method, is basically supported by all card-issuing banks, and the application is simple. Users only need to apply for installment to the issuing bank by telephone after spending by credit card and before sending monthly bills.